How can I get a loan while having bad credit and no checking account?
I was just approved for a apartment and I’m 9 months pregnant. I have to put down a deposit and 1 months rent. I don’t have it and need to know which is the best way to get a loan without having a bank account and having bad credit (blame it on a family member). I can’t ask anyone in my family so how can I go about this?
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your screwed
maybe try a credit union, sometimes even though you have bad credit they will help you out
give away the child and join the army.
If the bad credit stems from a family member bring all you can to show to a lender to prove it. Also, you may be able to get credit by showing “non-traditional” credit practices. Do you have bills you pay monthly that you can show the lender so they can see your payment practices?
pay off all your debt and then maybe, just maybe you’ll find a bank that will be willing to 1)give you a checking account 2) give you money. Here’s the catch. Make no mistake. Your interest rate is going to be at least 10 points higher then the average person
If you have a car you get a title loan, I think most often those companies don’t do credit checks. Or turn to programs in your community that help with housing and what not for women in your situation. I have a friend who was in a similar situation and she just opted to go to low-income housing to get herself on her feet (she has 3 kids and is under 25). She got an apartment there and paid about $13.00/month for rent and paid no utilities (it wasn’t a bad apartment at all - - she is a very clean person so it didn’t even look like a low-income housing apartment). She went to college and got federal aid for babysitting and what not and now she’s about to graduate to be a registered nurse. Sometimes you just have to find other options. Especially in your case… if you are 9 months pregnant and you can’t afford your deposit and first months rent you should turn to low-income housing becuase you also need to think about the money you will need pretty soon to support your unborn child.
Have a look here.